BankPacific, Ltd

151 Aspinal Ave
Hagatna, GU 96910

Notable Rates APY Vs.Others
Savings N.A. 2.20% →
1-Year CD N.A. 2.20% →
2-Year CD N.A. 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

BankPacific, Ltd is an FDIC insured institution located in Hagatna, GU. It was founded in 1953 and has approximately $0.15 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 30692
Date Established 1953
Assets $0.15 billion
Loans $0.12 billion
Deposits $0.12 billion
Capital $0.02 billion

For a more detailed analysis of BankPacific, Ltd's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 24, 2020

Your Current Location: Connecticut, CT 06828

There are currently no rates available for Bankpacific, Ltd, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - February 24, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for BankPacific, Ltd

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
NMLS ID: 2890
License#: 13256
3.284% 3.250% 0.38 $1,070 $1,089 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to BankPacific, Ltd
To upload and update your bank's rates please register. It is free to register and add rates.


BankPacific, Ltd branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

BankPacific, Ltd Locations

Financial Details

BankPacific, Ltd Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BankPacific, Ltd. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
BankPacific, Ltd U.S. Bank Average
15.54% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, BankPacific, Ltd had $2,615,000 in non-current loans and $96,000 in owned real estate. To cover these potential losses it had $17,055,000 in equity and $394,000 in loans loss reserves. That gives it a Texas Ratio of 15.54%.

Return on Equity
BankPacific, Ltd U.S. Bank Average
4.66% 9.72%

BankPacific, Ltd has a Return on Equity of 4.66% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

BankPacific, Ltd U.S. Bank Average
11.75% 12.89%

BankPacific, Ltd has a Capitalization of 11.75% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

BankPacific, Ltd Balance Sheet Analysis

As of September 30, 2019, BankPacific, Ltd had assets of $145,174,000, loans of $122,700,000, and deposits of $121,594,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.12 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.13 billion
Total deposits $0.12 billion
      Interest-bearing deposits $0.09 billion
      Deposits held in domestic offices $0.10 billion
      % insured (estimated) 58.69%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.13 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in BankPacific, Ltd’s loan portfolio are 1-4 Family Residential Loans, Consumer Auto Loans, and Commercial and Industrial Loans.

Compared to other banks in , BankPacific, Ltd has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 46.47
Credit Card Loans 0.00
Consumer Auto Loans 21.37
Small Business Loans 3.31
Construction and Development Loans 4.53
Commercial Real Estate 4.06
Commercial and Industrial Loans 10.48
Farm Loans 0.00

Frequently Asked Questions About Bankpacific, Ltd

Branches and Savings

Is Bankpacific, Ltd FDIC insured?

Yes. It is covered under FDIC Certificate #30692.

Why does Bankpacific, Ltd pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bankpacific, Ltd CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bankpacific, Ltd a commercial bank?


Where are Bankpacific, Ltd locations?

See branch locations nearby.

Is Bankpacific, Ltd open on Saturdays?

Is Bankpacific, Ltd open on Sundays?

What time does Bankpacific, Ltd open?

What time does Bankpacific, Ltd close?

Are Bankpacific, Ltd ATMs Open 24/7?

Do Bankpacific, Ltd ATMs accept cash deposits?

Can Bankpacific, Ltd customers use other ATMs?

Do Bankpacific, Ltd branches have notaries?

Will Bankpacific, Ltd notarize my document?

What address for Bankpacific, Ltd should I put for incoming ACH transfers?

Will the Bankpacific, Ltd branch print checks?

Do Bankpacific, Ltd checks expire?

Does Bankpacific, Ltd require US citizenship to open account?

Can Bankpacific, Ltd close my account?

Does Bankpacific, Ltd Report to credit bureaus?

Does Bankpacific, Ltd Use Equifax?

What is Bankpacific, Ltd's ACH Routing Number?

What is Bankpacific, Ltd's SWIFT code?


Does Bankpacific, Ltd offer mortgages?

Compare mortgage rates here.

Does Bankpacific, Ltd offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bankpacific, Ltd offer personal loans?

Compare personal loan rates here.

Does Bankpacific, Ltd offer student loans?

Will Bankpacific, Ltd cash a check?

Will Bankpacific, Ltd redeem a savings bond?

Does Bankpacific, Ltd cash savings bonds?

Will Bankpacific, Ltd cash money orders?

Can Bankpacific, Ltd issue a money order?

Does Bankpacific, Ltd do currency exchange?

Background on The Bank

Who owns Bankpacific, Ltd?

How long has Bankpacific, Ltd been around?

Can Bankpacific, Ltd transfer to other banks?

Does Bankpacific, Ltd have quick pay?

Does Bankpacific, Ltd accept rolled coins?

Will Bankpacific, Ltd accept loose change?

Where is Bankpacific, Ltd headquarters?

Customer Reviews for BankPacific, Ltd

There are currently no comments for BankPacific, Ltd. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →